Orthodontics can vary considerably in the period of treatment, cost and how you’re billed.
Before agreeing to commence orthodontic treatment determine your payment plan with the provider. This may involve an upfront payment followed by installments during the expected treatment period. Ask the provider what options are available and for a written plan once it’s agreed to.
Should you choose to pay for the total treatment up front, please be aware Police Health benefits will be spread over the treatment period and are subject to Annual and Lifetime Maximum limits and waiting periods. For more information please call us on 1800 603 603.
No, Police Health does not pay benefits towards gym memberships. Our role as a health insurer is to provide member benefits towards things that are medically necessary, not just anything that supports a healthy lifestyle.
Instead, we encourage members to;
- Use your 1:1 and Group Exercise Physiology benefits, which treat medical conditions through exercise
- See if they're eligible for any of our preventative health programs
- Use your Dietitian benefits to improve their diet and better manage their weight
Also, all private health insurers are governed in what they can and cannot cover. For most private insurers to cover gym benefits for its members, their members usually can only claim gym benefits under an ‘Authorised Health Management Program’. This is designed to improve or reduce a specific health or medical condition, and as prescribed by a doctor. Unfortunately, benefits are not usually available for increased fitness, or to lose weight as most consumers assume on face value. You’ll often find this in the fine print of any policies advertising gym memberships as part of their benefits.
Yes, Police Health members with Rolling Extras or Gold Combined cover are eligible to have benefits paid for Ozempic and Wegovy*. Members can claim (per script) up to $60 after you pay the first $23.
While many medicines are covered, some are not. The initial $23 may increase if you are supplied with multiple packs of the same item. But to receive benefits, the medication cannot have received a government subsidy like the Pharmaceutical Benefits Scheme.
More conditions apply, which can be found in our Pharmaceutical Benefits Guide.
*All benefits may be subject to Waiting Periods, Limits and other conditions. Rollover applies once you’ve completed your first 12 months membership (2 years for Major Dental). Providers must be recognised by us. Review the cover tables on the Combined, Hospital and Extras pages, and your State Premium and Benefit Guide or contact us for more information.
Police Health’s unique Rollover Benefit allows members to carry over any unused Annual Maximum benefit that is not claimed during the previous calendar year into the following year (Noting that claims are always paid from the current year’s Annual Maximum before the Rollover Benefit is accessed).
For example, if you go a year without claiming Optical benefits (such as new prescription glasses and/or contact lenses) your $350 Annual Maximum becomes $700 12-months later (subject to Waiting Periods).
New members are eligible for the Rollover Benefit after just 12 months.
Yes, Police Health members with Rolling Extras cover and Gold Combined are eligible to receive benefits for the purchase of and repair of hearing aids*.
Members can claim 80% of the cost of hearing aids, up to $1,200. Members who have Rolling Extras continuously for ten years, the Hearing Aid limit that applies over five calendar years will increase from $1,200 to $1,800 per person on your policy.
This comes under our ‘Health Appliances’ benefits, and is part of our Rolling Extras cover.
*All benefits may be subject to Waiting Periods, Limits and other conditions. Rollover applies once you’ve completed your first 12 months membership (2 years for Major Dental). Providers must be recognised by us. Review the cover tables on the Combined, Hospital and Extras pages, and your State Premium and Benefit Guide or contact us for more information.
Police Health does not provide cover or benefits for any services or medical items purchased from overseas. This includes overseas online retailers.
Australian Private health insurance is governed by the Private Health Insurance Act (2007), which stipulates provisions for treatment and services must occur within Australia.